Qantas Home Loan – Earn 100K Points & Competitive Rates

How Qantas home loan works

The Qantas home loan is a niche Australian mortgage product offered through partner lenders, not Qantas itself. Its main appeal is earning Qantas points on your home loan balance, which can be valuable for frequent flyers.

How it works:

• Partner lenders: The loan is issued by a participating lender using Qantas branding.

• Points accrual: Points are earned based on your outstanding balance (e.g., 100 points per $1,000 annually).

• Eligibility: Anyone can apply, but you must link your Qantas frequent flyer account to earn points.

• Loan types: Options generally include owner-occupier, investment, interest-only, refinancing, plus features like offset and redraw, similar to standard loans.

The key question is whether the value of the points outweighs any difference in rate or fees compared to a non-points loan. An independent broker is essential here. HeyNest connects you with brokers who compare Qantas, affiliated and non-affiliated loans to ensure the best overall financial outcome.

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Key benefits of the Qantas home loan

For many borrowers, earning Qantas Points from a major expense like a mortgage is highly appealing.

Main advantages:

• High points earning: Large loan balances translate into meaningful rewards: flights, upgrades or products.

• Refinancing bonuses: Some lenders offer big points bonuses (often 100,000+ points) when you settle the loan.

• Competitive rates: Many partner lenders now match mainstream rates, so you may not need to pay more just to earn points.

However, the points should never be the only deciding factor. Interest rate, fees and features such as offset accounts matter more for long-term savings. HeyNest brokers bring a holistic view to ensure the loan aligns with your broader financial strategy.

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Access to many lenders

Compares and negotiates the best market rates for you.

Dedicated, personalized guide every step of the way.

Only offers their own limited products.

Standard, often non-negotiable in-house rates.

Standardized service; often no single dedicated contact.

Comparing Qantas home loan options

To know if this loan is right for you, compare it directly against the wider market, including banks and non-banks.

Key comparison points:

• Interest rate: Even a slightly higher rate can outweigh the value of points.

• Fees: Review application, ongoing and settlement fees.

• Loan features: Offset availability, redraw flexibility, prepayment rules.

• Points value: Calculate the real dollar value of points versus the total loan cost.

Rather than navigate lenders and fine print on your own, HeyNest streamlines everything. One simple online application connects you with an expert broker who compares the Qantas Home Loan against their entire panel, negotiates on your behalf and presents clear, personalised options, ensuring a balanced, stress-free decision.

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Frequently asked questions

Who is the actual lender for the Qantas home loan?

The actual lender is a financial institution that has partnered with Qantas to offer the branded product, not Qantas itself.

Can I earn Qantas Points on a refinanced loan?

Yes, Qantas home loans are commonly offered for refinancing existing mortgages, often including a large bonus point incentive upon settlement.

Do I have to pay extra fees to earn the Qantas points?

It varies by lender and product; sometimes a slightly higher interest rate or annual fee is attached, which must be weighed against the value of the points earned.